Tuesday, September 28, 2010

Lunch at home

Yesterday the rain gently fell. It's been a long time since this has happened here. The earth was parched and fissures large enough for a toddler to drive his big wheels into began appearing. The rain was definitely welcome. At least before lunch.

My husband is the kind of guy who doesn't brown bag his lunch. I'm not saying he won't, just that we've been married over thirty years and he hasn't yet. This last move from OH to SC, we bought a house so close to his office that if traffic is light and he eats fast, he can come home for lunch. Not only is this a cost effective measure (as I see it), it has the added benefit of better nutrition as well and no one is arguing about that. It's just a fact and we both know it. It's pleasant too and kind of breaks up the day for us both. He's not able to come home every day, but he does when he can and yesterday he did.

I have no idea what we ate, which seems odd since it was only twenty-four hours ago. I do know we were eating watermelon when we heard the first loud boom. Boom! Bang, bang, bang. A limb from a tree fell, not remarkable in itself since we live in the woods, but worthy of note because it fell on Jerry's car. We didn't see this but we heard it and knew at a glance what had happened. The limb wasn't large - the diameter was about the size of a lady's forearm but it did a lot of damage. The point of impact is unclear, but the roof is smashed in, the windshield shattered and the hood and the side panel over the wheel are all dented pretty badly.

A tree limb altered how I spent my afternoon. Instead of doing laundry, I called my insurance agent, filed an insurance claim, talked with an auto glass repair shop, conversed with our assigned insurance adjuster and made an appointment with an auto body shop. I was assured that this claim wouldn't significantly raise our insurance rates, since we haven't had other claims with this company and they consider this an act of God. I prefer to think of it as an act of Mother Nature rather than God. In my mind, God isn't spending lunch hour throwing branches at cars, but, of course, I cannot be certain.

Today (instead of doing the laundry) I spent the morning at the auto body shop getting an estimate. This shop has insurance people on staff, so my claim was expedited and I now know that the repairs for the vehicle will run $2,005.00, which means the insurance company and the Zimmermans will split the bill almost 50/50 because we have $1,000.00 deductible.

While the gentleman was appraising the damage, he point out to me that the car had sustained significant hail damage somewhere along the way as well. There are tiny dings everywhere. He said that these can be fixed using some paintless procedure but that it will probably cost in excess of $2,500.00 and it is a separate claim, thus necessitating another $1,000.00 expenditure on our part and, of course, if we file another claim so soon, it will raise our premiums.

I'm not quite sure what I am going to do with this new-found knowledge on hail damage to my husband's car. He hasn't noticed these dings himself yet. Jer's pretty fond of his vehicles and I think if he knew, it might drive him nuts. Nuts!! That reminds me! The adjuster said the damage might be caused by nuts falling out of trees and bouncing off the car. If that's the case and we get the car fixed before all the nuts fall....

How many lunches could a person buy for two thousand dollars? Maybe it's not so cost effective to serve lunch here at home after all.


Anonymous said...

my dear miss chris,
i love your new blog, i can almost see things as they happened!! sorry for the damage to the car, and i agree with you God doesn't spend his lunch hour throwing limbs, someone pissed of Mother Nature.

Anonymous said...

Oh my, what an afternoon you had... I'm sorry to hear of the damage and the extra work YOU now are entangled with. As for Jerry, tell him an anonymous friend said "just suck it up Jer, just suck it up :@) Take care Chris and keep on blogging!

Anonymous said...

You are an excellent writer. Gracie and I loved reading your blog about lunch. Fabulous.
Nora and Gracie